When you're away from your home-away-from-home, a specialized second or vacation home insurance policy from A.Neto Agency helps protect your property, giving you peace of mind no matter where you are.
A vacation home insurance policy helps protect your second home much like a standard homeowners insurance policy protects your primary residence. However, it must be purchased as a separate policy.
Why? Homes that aren’t occupied full-time are considered higher risk—they’re more vulnerable to theft and undetected issues, like a frozen or broken pipe that could cause major damage before anyone notices.
If you rent out your vacation home as a short- or long-term rental, you may also need additional coverage to ensure full protection.
What Does Vacation Home Insurance Cover?
Just like homeowners insurance, a second home insurance policy typically includes three key types of coverage:
✔ Dwelling Coverage – Helps pay for repairs if your vacation home is damaged by covered events such as fire, lightning, storms, or high winds.
✔ Personal Property Coverage – Protects your furniture, electronics, clothing, and other belongings if they’re damaged, destroyed, or stolen.
✔ Personal Liability Protection – Covers medical and legal expenses if someone is injured on your property or if you’re responsible for damage to someone else’s property.
It’s important to note that standard second home policies, like primary home insurance, typically do not cover damage from floods or earthquakes. However, additional coverage may be available to protect against these risks based on your property’s location.
For customized coverage that fits your needs, contact A.Neto Agency today.
How Is Vacation Home Insurance Different from Homeowners Insurance?
Insurance companies consider vacation homes higher risk since issues like leaks or damage can go unnoticed for long periods. They are also more vulnerable to burglary and vandalism when unoccupied, which can lead to higher insurance premiums compared to your primary home.
Unlike standard homeowners insurance, vacation home policies typically cover specific named perils, such as fire or water damage, rather than offering broad coverage. Higher-risk perils, like vandalism, may require additional coverage.
Does Second-Home Insurance Cover Rental Use?
A standard second or vacation home insurance policy typically does not cover damage caused by renters. Since renting introduces additional risks, a rental property requires its own coverage.
The type of coverage you need depends on how you rent out your home:
✔ Short-Term Rentals (Less than 30 Days) – May require an add-on to your second-home policy to cover rental-related risks.
✔ Long-Term Rentals (30 Days or More) – Often require a separate landlord or business insurance policy for proper protection.
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The cost of vacation home insurance varies based on several factors, including:
✔ Location – Homes in areas prone to extreme weather (blizzards, tornadoes, hurricanes) generally have higher insurance costs.
✔ Usage & Occupancy – If you rent out your vacation home, you may need additional coverage. Homes that are vacant for long periods face higher risks of burglary, vandalism, and fire, impacting your premium.
✔ Age & Condition – Older homes, especially those not well maintained, typically have higher insurance costs.
✔ Property Type & Amenities – A large, modern lakefront home generally costs more to insure than a small rustic cabin. Features like a pool can raise premiums, while being part of a homeowners association (HOA) may offer security benefits that reduce costs.
✔ Bundling Policies – You may qualify for discounts when bundling your vacation home insurance with other policies through A.Neto Agency.
